| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES STREET - SUITE 300 BALTIMORE, MD 21201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $78K | $83K | 3.05% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES, INC. | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $51K | $54K | 1.98% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $22K | $22K | 0.82% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST - SUITE 300 BALTIMORE, MD 21201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.14% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES INC. | 6 NORTH PARK DRIVE - SUITE 310 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.38% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES INC. | 20 WIGHT AVE - STE 300 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $689 | — | $689 | 0.98% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $230 | — | $230 | 0.33% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES STREET-STE 300 BALTIMORE, MD 21201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.15% |
| GROUP BENEFIT SERVICE, INC.3 Filed as: GROUP BENEFIT SERVICE INC. | 6 NORTH PARK DR - STE 310 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.95% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES STREET-STE 300 BALTIMORE, MD 21201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.25% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES INC. | 6 NORTH PARK DRIVE-SUITE 310 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $924 | — | $924 | 2.98% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST - SUITE 300 BALTIMORE, MD 21201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $491 | — | $491 | 10.06% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 6 NORTH PARK DRIVE-STE 310 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $164 | — | $164 | 3.36% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 279 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 279 | $2.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 279 | $2.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 288 | $70K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 84 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 67 | $39K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 288 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.